Call reports 2016
CONSTITUTION BANK, NATIONAL ASSOCIATION — 2016
What CONSTITUTION BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 341,731,000 | 330,137,000 | 334,430,000 | 330,862,000 |
| Total loans | 240,734,000 | 234,859,000 | 240,915,000 | 235,746,000 |
| Allowance for loan losses | 3,699,000 | 3,460,000 | 3,374,000 | 3,504,000 |
| Securities available for sale | 68,184,000 | 67,971,000 | 67,503,000 | 72,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,386,000 | 295,450,000 | 299,522,000 | 296,614,000 |
| Interest-bearing deposits | 202,335,000 | 204,214,000 | 208,596,000 | 201,640,000 |
| Noninterest-bearing deposits | 105,051,000 | 91,236,000 | 90,926,000 | 94,974,000 |
| Equity capital | 33,213,000 | 34,026,000 | 34,379,000 | 33,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,831,000 | 5,642,000 | 8,483,000 | 11,378,000 |
| Interest expense | 282,000 | 577,000 | 872,000 | 1,173,000 |
| Net interest income | 2,549,000 | 5,065,000 | 7,611,000 | 10,205,000 |
| Noninterest income | 390,000 | 889,000 | 1,420,000 | 1,923,000 |
| Noninterest expense | 1,867,000 | 3,795,000 | 5,752,000 | 7,690,000 |
| Provision for loan losses | 112,000 | 262,000 | 432,000 | 842,000 |
| Pretax income | 960,000 | 1,938,000 | 2,888,000 | 3,637,000 |
| Income tax | 326,000 | 659,000 | 982,000 | 1,208,000 |
| Net income | 634,000 | 1,279,000 | 1,906,000 | 2,429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,685,000 | 33,159,000 | 33,613,000 | 33,964,000 |
| Total capital | 35,955,000 | 36,326,000 | 36,859,000 | 37,159,000 |
| Risk-weighted assets | 261,246,000 | 253,129,000 | 259,594,000 | 255,348,000 |